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“I did [moot to Mr Johnston] that we could perhaps convince customer to provide [personal guarantees] totalling around £300 K but he couldn’t commit to whether or not this would be acceptable”.
[12] The valuation letter noted that the economic climate meant that there was a degree of uncertainty as to the time required to effect disposals, and that a revaluation might be desirable if values were to fluctuate further. The operative section stated that the market value of the site at Strone Farm was a sum in the order of £2 million. The valuation continued:
“The above opinion of value is prepared solely for the use of The Royal Bank of Scotland and no responsibility is accepted to any other party. We would highlight that the above opinion of value has been carried out on a desktop basis without a re-inspection of the premises and should be used for indicative purposes only”.
“Our reported figure was an indicative value based on increased density. The 2007 and 2008 valuations were very different types of reports”.
The second and third alleged misrepresentations [18] On 9 January 2009 Mr Marsh sent a further email to the first respondent to intimate that he had obtained approval for a renewal of the facility for two years on specified terms. He continued
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